KEVIN RONALD TREPANIER LPC
Accepted Insurance for NPI 1982969564
Counselor in Livonia, MI

Q: What managed care network types are accepted by this provider?

KEVIN RONALD TREPANIER LPC is enrolled across the following managed care network types: EPO, HMO, PPO. HMO (Health Maintenance Organization): Requires receiving care through the network of clinicians and facilities, often requiring primary doctor referrals to access specialist treatments.PPO (Preferred Provider Organization): Provides flexibility to visit out-of-network clinicians without requiring referrals, though seeking care with in-network providers offers lower out-of-pocket costs.EPO (Exclusive Provider Organization): Restricts coverage strictly to network providers except for emergency situations, but generally allows seeking treatment from network specialists without an official referral.

NPI Status: Active since July 10, 2012

Contact Information

27785 WESTERN GOLF DRIVE
LIVONIA, MI
ZIP 48154
Phone: (313) 450-4500

Get Directions

Accepted Health Plans and Insurance Coverage

This registry outlines the health plan networks and insurance coverage profiles associated with KEVIN RONALD TREPANIER LPC, a practicing counselor professional in Livonia, MI. Compiled from official data resources, this interface is designed to help you determine if your policy is accepted at this practice location. Currently, the provider is listed across 115 individual coverage options managed by medical networks, including networks like Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, and McLaren Health Plan Community. Please use the filtering dashboard below to search for your specific plan by name, narrow results by a single carrier corporate network, or toggle between plan types (HMO, PPO, EPO) to check your status before coordinating an upcoming clinic visit.

Insurance Carrier Navigation Index

Blue Care Network of Michigan
Blue Cross Blue Shield of Michigan Mutual Insurance Company
McLaren Health Plan Community
Priority Health
Providence Health Plan

Search Insurance Plans

Filter By Insurance Company

Fitler by Network Type

Blue Care Network of Michigan

Blue Cross� Local HMO Bronze Extra

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0550023

Blue Cross� Local HMO Bronze Secure

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0180032

Blue Cross� Local HMO Silver Extra

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0550019

Blue Cross� Local HMO Silver Saver

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0180026

Blue Cross� Preferred HMO Bronze Extra

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0550022

Blue Cross� Preferred HMO Bronze Saver HSA

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0180028

Blue Cross� Preferred HMO Bronze Secure

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0180029

Blue Cross� Preferred HMO Gold

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0180009

Blue Cross� Preferred HMO Gold Extra

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0550018

Blue Cross� Preferred HMO Silver

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0180005

Blue Cross� Preferred HMO Silver Extra

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0550002

Blue Cross� Preferred HMO Silver Saver

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0180015

Blue Cross� Preferred HMO Value

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0180024

Blue Cross� Select HMO Bronze Extra

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0550020

Blue Cross� Select HMO Bronze Saver HSA

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0440006

Blue Cross� Select HMO Bronze Secure

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0440019

Blue Cross� Select HMO Silver

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0440016

Blue Cross� Select HMO Silver Extra

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0550001

Blue Cross� Select HMO Silver Saver

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0440017

Blue Cross� Select HMO Value

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

98185MI0440015

Blue Cross Blue Shield of Michigan Mutual Insurance Company

Blue Cross� Premier PPO Bronze Extra

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI1120001

Blue Cross� Premier PPO Bronze Saver HSA

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI0350002

Blue Cross� Premier PPO Bronze Secure

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI0350005

Blue Cross� Premier PPO Gold

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI0350004

Blue Cross� Premier PPO Gold Extra

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI1130002

Blue Cross� Premier PPO Silver

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI0350003

Blue Cross� Premier PPO Silver Extra

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI1130001

Blue Cross� Premier PPO Silver Saver HSA

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI0350006

Blue Cross� Premier PPO Value

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NULL Tier

Accepted Plan ID Variations

15560MI0350001

McLaren Health Plan Community

MHP Bronze

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020011

MHP Bronze Saver (Expanded)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020013

MHP Expanded Bronze Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020024

MHP Gold

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020006

MHP Gold Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020018

MHP Silver Exchange

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020005

MHP Silver Exchange Rewards

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020017

MHP Silver Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020019

MHP Young Adult/Catastrophic

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: IN-NETWORK Tier

Accepted Plan ID Variations

74917MI0020004

Priority Health

MyPriority Balanced Silver

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541220

MyPriority Balanced Silver Bronson Healthcare Partners

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BRONSON-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541222

MyPriority Balanced Silver Corewell Health West Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541221

MyPriority Balanced Silver Corewell Health West Michigan Network (Allegan, Barry)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541237

MyPriority Balanced Silver Southeast Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BEAUMONT-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541223

MyPriority Balanced Silver Trinity Health East Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: TRINITY-EAST-NARROW-NET-HMO Tier

Accepted Plan ID Variations

29698MI0541225

MyPriority Enhanced Gold Bronson Healthcare Partners

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BRONSON-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0540596

MyPriority Enhanced Gold Corewell Health West Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0540595

MyPriority Enhanced Gold Corewell Health West Michigan Network (Allegan, Barry)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0540742

MyPriority Enhanced Gold Southeast Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BEAUMONT-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0540597

MyPriority Enhanced Gold Trinity Health East Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: TRINITY-EAST-NARROW-NET-HMO Tier

Accepted Plan ID Variations

29698MI0540599

MyPriority Premier Silver

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541260

MyPriority Premier Silver Bronson Healthcare Partners

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BRONSON-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541262

MyPriority Premier Silver Corewell Health West Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541261

MyPriority Premier Silver Corewell Health West Michigan Network (Allegan, Barry)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541239

MyPriority Premier Silver Trinity Health East Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: TRINITY-EAST-NARROW-NET-HMO Tier

Accepted Plan ID Variations

29698MI0541265

MyPriority Standard Bronze

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541300

MyPriority Standard Bronze - Bronson Healthcare Partners

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BRONSON-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541302

MyPriority Standard Bronze - Corewell Health West Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541301

MyPriority Standard Bronze - Corewell Health West Michigan Network (Allegan, Barry)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541343

MyPriority Standard Bronze - Southeast Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BEAUMONT-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541303

MyPriority Standard Bronze - Travel

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541306

MyPriority Standard Bronze - Trinity Health East Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: TRINITY-EAST-NARROW-NET-HMO Tier

Accepted Plan ID Variations

29698MI0541305

MyPriority Standard Gold

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541320

MyPriority Standard Gold Bronson Healthcare Partners

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BRONSON-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541322

MyPriority Standard Gold Corewell Health West Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541321

MyPriority Standard Gold Corewell Health West Michigan Network (Allegan, Barry)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541345

MyPriority Standard Gold Southeast Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BEAUMONT-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541323

MyPriority Standard Gold Trinity Health East Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: TRINITY-EAST-NARROW-NET-HMO Tier

Accepted Plan ID Variations

29698MI0541325

MyPriority Standard Silver

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541310

MyPriority Standard Silver - Bronson Healthcare Partners

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BRONSON-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541312

MyPriority Standard Silver - Corewell Health West Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541311

MyPriority Standard Silver - Corewell Health West Michigan Network (Allegan, Barry)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541344

MyPriority Standard Silver - Southeast Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BEAUMONT-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541313

MyPriority Standard Silver - Travel

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541316

MyPriority Standard Silver - Trinity Health East Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: TRINITY-EAST-NARROW-NET-HMO Tier

Accepted Plan ID Variations

29698MI0541315

MyPriority Value Bronze

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541210

MyPriority Value Bronze Bronson Healthcare Partners

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BRONSON-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541212

MyPriority Value Bronze Corewell Health West Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541211

MyPriority Value Bronze Corewell Health West Michigan Network (Allegan, Barry)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541236

MyPriority Value Bronze HSA

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: MYPRIORITY-HMO Tier

Accepted Plan ID Variations

29698MI0541200

MyPriority Value Bronze HSA Bronson Healthcare Partners

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BRONSON-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541202

MyPriority Value Bronze HSA Corewell Health West Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541201

MyPriority Value Bronze HSA Corewell Health West Michigan Network (Allegan, Barry)

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: COREWELL-WEST-NARROW-HMO Tier

Accepted Plan ID Variations

29698MI0541235

MyPriority Value Bronze HSA Southeast Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BEAUMONT-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541203

MyPriority Value Bronze HSA Trinity Health East Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: TRINITY-EAST-NARROW-NET-HMO Tier

Accepted Plan ID Variations

29698MI0541205

MyPriority Value Bronze Southeast Michigan Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: BEAUMONT-NARROW-NETWORK-HMO Tier

Accepted Plan ID Variations

29698MI0541213

MyPriority Value Bronze Trinity Health East Network

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: TRINITY-EAST-NARROW-NET-HMO Tier

Accepted Plan ID Variations

29698MI0541215

Providence Health Plan

Connect 1500 Gold

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: CONNECT Tier

Accepted Plan ID Variations

56707OR1380008

Connect 6000 Silver

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: CONNECT Tier

Accepted Plan ID Variations

56707OR1380013

Connect 9800 Bronze

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: CONNECT Tier

Accepted Plan ID Variations

56707OR1380014

HSA Qualified 7500 Bronze - Choice Network

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: CHOICE Tier

Accepted Plan ID Variations

56707OR1420003

HSA-E Qualified 7500 Bronze - Signature Network

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: EPO Tier

Accepted Plan ID Variations

56707OR1430003

Providence Oregon Standard Bronze Plan - Choice Network

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: CHOICE Tier

Accepted Plan ID Variations

56707OR1400003

Providence Oregon Standard Bronze Plan - Signature Network

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: EPO Tier

Accepted Plan ID Variations

56707OR1410003

Providence Oregon Standard Gold Plan - Choice Network

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: CHOICE Tier

Accepted Plan ID Variations

56707OR1320004

Providence Oregon Standard Gold Plan - Signature Network

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: EPO Tier

Accepted Plan ID Variations

56707OR1350004

Providence Oregon Standard Silver Plan - Choice Network

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: CHOICE Tier

Accepted Plan ID Variations

56707OR1330004

Providence Oregon Standard Silver Plan - Signature Network

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: EPO Tier

Accepted Plan ID Variations

56707OR1360004

No coverage plans found coordinating with your query criteria.

Coverage Information & FAQs

What insurance does KEVIN RONALD TREPANIER LPC accept?

This provider accepts health insurance plans managed by the following insurance companies: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, McLaren Health Plan Community, Priority Health, Providence Health Plan. You can filter specific policies or search for unique plans using the open dashboard controls located above.

Is this provider enrolled to accept Medicare?

No, current public enrollment indicators show that this provider does not accept standard Medicare program assignments.

What managed care network types are accepted by this provider?

KEVIN RONALD TREPANIER LPC is enrolled across the following managed care network types: EPO, HMO, PPO.

HMO (Health Maintenance Organization): Requires receiving care through the network of clinicians and facilities, often requiring primary doctor referrals to access specialist treatments.
PPO (Preferred Provider Organization): Provides flexibility to visit out-of-network clinicians without requiring referrals, though seeking care with in-network providers offers lower out-of-pocket costs.
EPO (Exclusive Provider Organization): Restricts coverage strictly to network providers except for emergency situations, but generally allows seeking treatment from network specialists without an official referral.